Patrick is a 26-year-old married man with four children who are between one and eight years old. He lives in his own permanent house in Karuguuza, Uganda. For five years, Patrick has been in the motorcycle transport business. In addition, he operates a saloon. From these businesses, he has been able to buy a motorcycle. He faces the challenge of the high fluctuation of fuel prices but hopes to buy another motorcycle. Patrick wants a loan to top up and buy a second motorcycle.